BlastPoint's Banking Scorecard
Hodge Bank & Trust Company
Hodge, LA
Hodge Bank & Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.95% above tier average
- + Net Interest Margin 1.08% above tier average
- + Efficiency Ratio 24.18% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.35% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$119.9M
+18.3% YoY
+2.9% QoQ
|
-$266.2M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.8% in tier |
| Total Loans ? |
$82.4M
+21.0% YoY
+2.8% QoQ
|
-$173.3M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.3% in tier |
| Total Deposits ? |
$101.3M
+20.5% YoY
+2.8% QoQ
|
-$226.7M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.0% in tier |
| Return on Assets ? |
2.22%
-18.2% YoY
-3.8% QoQ
|
+0.95% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
Top 8.3% in tier |
| Net Interest Margin ? |
5.02%
+8.8% YoY
+1.1% QoQ
|
+1.08% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Top 7.0% in tier |
| Efficiency Ratio ? |
41.10%
-6.5% YoY
-13.3% QoQ
|
-24.18% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
Top 5.0% in tier |
| Delinquency Rate ? |
2.23%
+3.0% YoY
-12.0% QoQ
|
+1.35% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.2% in tier |
| Loan-to-Deposit Ratio ? |
81.38%
+0.4% YoY
-0.0% QoQ
|
+4.75% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
16.60%
-7.9% YoY
+1.6% QoQ
|
-5.42% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
30% |
| Nonperforming Asset Ratio ? |
1.59%
+9.2% YoY
-8.8% QoQ
|
+0.95% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.5% in tier |
| Tier 1 Capital Ratio ? |
15.37%
-10.4% YoY
-1.8% QoQ
|
-0.46% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.08%
-1.8% YoY
-72.0% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
42% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.